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### 基于高斯谱聚类的风险商户聚类分析

• 出版日期:2021-06-25 发布日期:2021-06-25

### Clustering of Risk Merchants Based on Gaussian Spectral Clustering

Huang Danyang Bi Boyang Zhu Yingqiu

• Online:2021-06-25 Published:2021-06-25

Abstract: With the popularity of electronic payment, more and more third-party payment platforms have emerged, while the research on the risk merchants of third-party payment platforms is relatively deficient. Therefore, we propose a risk merchant clustering method based on Gaussian spectral clustering. First, we use the Gaussian mixture model to build a transaction-trading group bipartite network. Second, we use the idea of information transmission in the network to build a merchant-trading group bipartite network. Third, we take advantage of spectral clustering in the bipartite network method to cluster two kinds of nodes at the same time. The result of merchant node clustering can distinguish merchants’ risk levels, and that of trading-group node clustering can further describe the transaction characteristics of risk merchants. At last, we validate the model in the simulated data and the actual data of a third-party payment platform. The experiment results show that the proposed method can not only accurately distinguish the merchants with different risk levels, but also summarize the transaction characteristics of the risk merchants and provide a reference for the supervision of the risk merchants.

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